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At this point, it might be inevitable. Some of you will have your identities stolen.Nearly half of Americans had their personal information exposed during a breach at Equifax, the company announced last week.And it's just the latest hack. Sensitive data on about 80 million Anthem customers was accessed in 2015.These breaches are some of the worst because the information stolen (names, Social Security numbers, addresses) can be used by an imposter to open accounts in your name, steal your tax refund or your Social Security check."This is a goldmine of information for a thief," said Chi Chi Wu, an attorney at the National Consumer Law Center.When your credit card number is stolen, it's easier to fix. You call the credit card company to close the card and get a new number. In most cases, you won't be responsible for the charges. Some of the victims of the Equifax hack did have their credit card numbers exposed. Equifax will notify you in the mail if this is the case.But the credit rating bureau won't notify you directly if you're one of the 143 million people whose more sensitive information was stolen. You must go online to EquifaxSecurity2017.com to find out.First of all, don't panic. If your information was compromised, it does not mean your identity was stolen. There are some steps you can take right now, like placing a freeze on your credit reports, to help prevent it from happening.And even if everything seems fine now, you should also continue to keep a close eye on your accounts and credit reports because your identity might not be stolen right away.If you do find out that someone has created a new account in your name, you'll have to prove that you didn't open the account and you might have to clear bad debt information from your credit report.It could be a long, messy process. Here's where to start:1. Go to IdentityTheft.gov to file an identity theft reportThis is important because it will provide you with a document you'll need to send to other businesses where fraudulent accounts were opened -- not because the government will start investigating your personal case.The form asks you questions about who you are and what accounts were impacted. It doesn't ask for any other documents or even your Social Security number, said John Krebs, an attorney at the Federal Trade Commission.The website will also provide you with a recovery plan after you submit the information. The plan will vary depending on what kind of accounts were created or hacked.2. Put a freeze or fraud alert on your credit reportsYou can request the three credit rating agencies to freeze your credit. This will prevent anyone from opening additional new accounts in your name. You'll have to request to lift the freeze if you want to open a new line of credit yourself. There are usually fees to freeze and unfreeze that vary by state, but generally range between and .If this is too much of a hassle, you can put a free fraud alert on your credit reports instead. This will require creditors to take additional steps to verify your identity before issuing credit.The fraud alert usually lasts for 90 days and can be renewed. But after you fill out the identity theft report online, you can request an extended fraud alert that stays on your credit report for seven years.3. Request, in writing, to close fraudulent accountsContact the fraud department (not customer service) at each business where a new account was opened in your name to explain that someone stole your identity and request that the account be closed.The FTC provides a sample letter you can use to dispute these accounts. Include a copy of your identity theft report. In some cases, the creditor may also ask for a police report, which you must file with local law enforcement first."The creditor will have a higher tendency to believe you if you have the police report," Wu said.Ask the business to send you a letter confirming that the fraudulent account isn't yours, that you aren't liable for it, and that it was removed from your credit report.Under most state laws, you're not responsible for any debt incurred on fraudulent new accounts opened in your name without your permission, according to the FTC.4. Dispute any fraudulent information on your credit reportIf a thief uses your identity to create a new credit card account, for example, it will end up on your credit report. But you have no control over that account. If the imposter doesn't pay the bills, it can seriously hurt your credit score.You'll need to write to each of the three credit rating agencies to request that they remove the incorrect information.The FTC provides a sample letter you can use to explain the situation.You should hear from the agencies in about 30 days on how they are handling the dispute, Wu said.5. Prevent future fraudOnce you've cleared up the situation, remain vigilant. Just because you've reported an incident of identity theft, it doesn't mean it won't happen again.Keep a close eye on all your statements. Consider enrolling in a credit monitoring and theft protection service. If you've already frozen your credit reports, you'll have to temporarily lift the freeze in order to enroll in a monitoring service, according to the FTC.You should also try to file your taxes as early as possible next year -- before someone else tries to use your Social Security number to steal you return, suggests the Massachusetts Attorney General.In addition to your Social Security number, Equifax says that your driver's license number may also have been exposed. In some states, you can ask the Department of Motor Vehicles to place a flag on your license number. This will alert law enforcement to be extra careful identifying a person they pull over, according to the Identity Theft Resource Center. 5795

As the reality of a coronavirus vaccine gets closer, it appears more Americans are willing to get it. A recent survey found nearly 60 percent of respondents said they would get a vaccine for the coronavirus.The poll conducted by Gallup in late October was done before Pfizer and Moderna shared the initial results of their clinical trials showing their separate vaccines were both more than 90 percent effective against the coronavirus.Roughly 58 percent of the nearly 3,000 respondents said “yes”, they would get a vaccine. During the last four months of polling Gallup has done on this question, the lowest “yes” response rate was 50 percent of respondents in mid-September.Since then, the FDA, other health experts and the drug makers themselves have sought to clarify the testing process and offer transparency about the approval process.The latest survey results still mean roughly 42 percent of those asked would not get a coronavirus vaccine.“Four in 10 remain unwilling to get a vaccine, indicating public health officials face an uphill climb in convincing a good share of the public to do so,” the Gallup report stated.A large increase in those who said “yes” in this latest survey came from respondents in the 45-to-64 years old group. In mid-September, there was only 36 percent of this group who would get a vaccine, in October, that number had increased to 49 percent.According to the survey results, it appears those who identify as Democrats remain the most willing to get a vaccine and increased the most in the latest survey, compared with those who identify as Republican remaining below 50 percent “yes” through the entire four months of Gallup’s polling.In the latest survey from late October, 69 percent of Democrats and 49 percent of Republicans would get the vaccine. In September, only 53 percent of Democrats said “yes.”As for reasons people gave for not wanting to take a coronavirus vaccine, Republicans were split among various answers; 26 percent were concerned about a rushed timeline, 20 percent don’t trust vaccines generally, 19 percent want to wait to confirm the vaccine is safe, and 22 percent said there were other reasons.Meanwhile, more than half of the Democrats who would not take a vaccine said it was because of concerns about a rushed timeline and they want to wait to confirm it is safe.Pfizer and Moderna have said tens of millions of doses of their vaccines could be available by the end of the year once they get the “go ahead” from the FDA. 2498

Average rates on long-term mortgages continue to fall to new record lows, as the key 30-year loan dropped below 3% for the first time in 50 years. The stagnant economic recovery in the face of the coronavirus pandemic is keeping inflation tamped down despite pent-up homebuying demand. Mortgage buyer Freddie Mac says the average rate on the 30-year home loan fell this week to 2.98% from 3.03% last week. These are the lowest levels since Freddie Mac began tracking averages in 1971. The rate averaged 3.81% a year ago.In their update, Freddie Mac says the low rates has led to increased homebuyer demand. Meanwhile, according to the Mortgage Bankers Association, refinancing applications increased recently, about 12 percent in the last week. However, Freddie Mac warns that with an increase in coronavirus cases, the economy can stagnate and cause temporary job layoffs to possibly become permanent. The average rate on the 15-year fixed-rate mortgage declined to 2.48% from 2.51%, from last week. 1008

As the 2020 election approaches, Facebook founder Mark Zuckerberg said the social media networks are giving users an opportunity to limit most political advertisements.The announcement was paired with several measures Zuckerberg said Facebook and Instagram are launching as part of its response to the upcoming election.In order to limit the advertisements on Facebook, go to the Facebook mobile app, click on settings, ad preferences, and ad topics. The video below shows how it works:For Instagram users, click on settings, ads, and ad topic preferences. The video below shows how it works:Zuckerberg said in an op-ed to USA Today, “For those of you who've already made up your minds and just want the election to be over, we hear you — so we're also introducing the ability to turn off seeing political ads. We'll still remind you to vote.” 851

AVENAL, Calif. (AP) — Authorities say an inmate at a central California prison died of complications from the coronavirus Saturday, becoming the state’s 79th person to have a fatal case of COVID-19 while they were incarcerated. The Avenal State Prison inmate died at a hospital. The prisoner’s name was not released. There have been 15,872 confirmed cases of the coronavirus in the state prison system. Advocates say jails and prisons nationwide are prime locations for the virus to spread between inmates and staff. Officials have released hundreds of inmates to decrease jail and prison populations across the country during the pandemic. 648

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